Discover Credit Cards Review

Of the four major credit card issuers in play today, Discover is the least used and least known.  Originally started in 1985 as a Sears brand, Discover has branded itself effectively over the last decade to become a major competitor of Visa, MasterCard and American Express.  A line of commercials featuring the customer service representative known as “Peggy” continue to be voted the most memorable by consumers.

The product line that Discover offers to potential new cardholders is not as diverse as others, but it does cover most consumer needs.  I’ve compiled the current list of Discover consumer credit cards and focused on the clear strengths and weaknesses of each card.  Should you own any of the below cards, please leave your feedback on why you like or don’t like it.

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0
691 Average credit score approved for this card† 658 Lowest credit score approved for this card†

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0
741 Average credit score approved for this card† 702 Lowest credit score approved for this card†

Discover it® for Students
Discover it® for Students
Apply Now...
at Discover's
secure site
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service. Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months See Terms See Terms 12.99% – 21.99%* Variable $0
661 Average credit score approved for this card† 614 Lowest credit score approved for this card†

If you are wondering where cards like the Discover More Card or Discover Open Road Card are in this list, they have all been retired by Discover. The above three consumer credit cards are the entire lineup currently offered by Discover.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

Discover is a paid advertiser of this site.

Published or Updated: May 1, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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